INVEST IN YOUR FUTURE The Investment Specialists at Investors Marketplace Central Illinois Bank know that the savings and investment choices you make today will impact your financial future. Traditional bank savings products offer security of FDIC insurance, a fixed principal value and rate of return, but they may not always provide the growth or income you need to achieve your goals. Just like you, many bank customers are starting to consider supplementing their savings plan with investment alternatives. WE’LL HELP YOU MAKE INFORMED DECISIONS. For new and even experienced investors, sifting through the thousands of investment options available and their combinations of risk and return can be time consuming and confusing. At Investors Marketplace, Investment Specialists will point you toward investments with objectives that reflect your financial goals. They are trained to assess your unique situation and to help you understand all the implications of your decision. WE’LL BE HERE FOR YOU WHEN YOU HAVE QUESTIONS OR CONCERNS. We’re located right here in your branch office, and we want to continue to serve you over the life of your investment. Your Investment Specialist will be happy to help you understand your statements or answer questions about how your investment is performing. As your financial situation changes, your Investment Specialist will be available to help you review your portfolio and suggest areas that may need adjustments.

WE FAVOR QUALITY AND HAVE A CONSERVATIVE BIAS.
Through Essex National Securities, Inc., member FINRA/SIPC, a registered broker/dealer, and Essex National Insurance Agency, Inc., a fully licensed insurance agency, we make available a range of investment options that reflect our conservative philosophy. We believe in a long-term investment strategy that strives to balance risk and return by using a diversified portfolio. We focus on quality so you can invest with confidence.

TAX-DEFERRED FIXED ANNUITIES CAN PROVIDE SUBSTANTIAL TAX ADVANTAGES.
A fixed annuity is a dependable insurance product that can provide you with steady income in the future. For most individuals, as long as your money remains in a tax-deferred annuity, you pay no current state or federal taxes on your earnings, and pay taxes only when you withdraw accumulated earnings.* Because annuities are designed to provide income at retirement, any withdrawals prior to age 59½ may be subject to a 10% IRS penalty. For retirees in need of monthly income, some annuities offer periodic income options.

* Please consult your tax advisor. Income may be subject to the alternative minimum tax.

YOU HAVE ACCESS TO MUTUAL FUNDS AND VARIABLE ANNUITIES THROUGH ESSEX NATIONAL SECURITIES, INC. 
Many people are learning that mutual funds are a smart, easy and cost- effective way to invest. Mutual funds allow you to pool your money with that of other investors who have similar financial goals. A variable annuity combines the tax-deferral benefits of a fixed annuity with the flexibility and performance of an investment fund. As an owner, you control the investment options. With a variable annuity or mutual fund, the value is dependent on the investment results of your portfolio and could be more or less than your original contribution. 

With the help of the Investment Representative you may realize potentially higher returns in exchange for accepting fluctuation in principal value and rate of return. For investors able to accept some risk, mutual funds offer important advantages:

• Diversification: When you buy shares of a mutual fund, you spread your dollars across a wide range of securities. This helps reduce the risks of investing in a single security

• Professional Management: Experienced professionals manage the investment portfolio, putting their knowledge to work for you.

• Ready Liquidity: With most mutual funds, you may redeem all or part of your shares on any business day, at the then current share price (which may be more or less than the price you originally paid for the shares.)

Arrange a confidential financial review
Contact our Investment Specialist, Mike Raya at (309) 645-2220 to request an appointment for your confidential financial review.

NOT FDIC INSURED
NO BANK GUARANTEE
NOT A DEPOSIT
MAY GO DOWN IN VALUE
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY